Traveling to Canada sometime this year? You may need to get travel insurance for visitors to Canada because this helps to protect you to a considerable extent.
In this article, you will find out if you need this type of insurance and when it is required.
What is Travel Insurance?
Travel insurance is a type of insurance policy that covers certain financial risks associated with traveling. These risks include but are not limited to flight delays and loss of personal belongings.
Do I Need Travel Insurance for Canada?
So, do you need to get travel insurance if you are traveling to Canada? Yes, it is important to get coverage because most Canadian insurance service providers offer that. In addition, immigrants tend to get into some health challenges that will require coverage of this type.
Who Can Apply for Travel Insurance for Visitors in Canada?
If you need this type of insurance, when is it required? There are two (2) likely scenarios when you need to get travel insurance for visitors to Canada.
For the first instance, you need coverage if you are migrating to become a Permanent Resident (PR) in the country. In this case, you will be covered by the free health insurance coverage provided by the Canadian government.
However, there is a chance for you if you don’t intend to stay for long in the country. In this case, the coverage is available for business owners and tourists on a short visit. Travelers looking for a visa to work in the country are also considered.
The short-stay travel insurance policy also covers undergraduates using study permits. In these cases, the insurance provider permits the policyholders to get affordable medical coverage while in the country.
The Extent of the Coverage
There are different types of coverages offered by travel insurance for international visitors to Canada.
Below are some of the coverage options:
1. Flight-Related Accidents
Accidents caused during the cause of flying to Canada can be insured for up to $25,000. This covers both bodily injury and any bodily defects caused by the accident.
2. Trip Interruption
Sometimes, airline operators can cancel flights or delay the trips for different reasons. Your travel insurance can cover such interruptions. Depending on the insurance provider, you may get up to $6,000 per insured trip.
3. Property Damage
Damages caused to your property can also be insured. This includes loss of property, in the case that your property was lost in the cause of the trip.
4. Terrorism Acts
Acts of terrorism during a flight can also be insured. This includes attempted kidnapping, plane hijacking, and any other form of airborne-related terrorism acts.
5. Medical Emergencies
Whether you get sick during the flight or had a broken bone; travel insurance can protect you. The insurance service provider may reward up to $100,000 for such medical emergencies.
Where to Buy the Best Travel Insurance to Visit Canada
With travel insurance, visiting Canada will be a relief because you are protected with the right insurance. The challenge some travelers have is picking the right policy provider. In this section, you will discover the best travel insurance companies to buy your policy from.
The British Columbia Automobile Association (BCAA) is one of the companies that sell travel insurance. You can get coverage for your health, personal belongings, and trip protection. The company also offers coverage for prescription drugs and dental services.
One of the benefits of getting your travel insurance from BCAA is that the company offers coverage for both single and multi-trips.
Policyholders also get to save up to 10% if they are BCAA Members.
2. Ontario Blue Cross
Ontario Blue Cross is an Ontario-based travel insurance company. It has been in the industry for over 75 years. During this time, it has offered thousands of coverages to travelers coming to Canada.
The travel insurance policy covers both individuals applying for a Super Visa and those on tourism. International workers, students, and Canadians returning to the country are also covered.
The company awards up to $150,000 in travel insurance claims. As a policyholder, you get access to emergency repatriation, emergency dental treatment, and hospitalization fees.
When is the Best Time to Buy Travel Insurance for Visitors in Canada?
The best time to buy the policy is before leaving your home country. This allows the travel insurance policy provider to put every measure in place ahead of your arrival.
However, you may be lucky to buy it on arrival. If this is the case, endeavor to get it within 30 days of arriving in Canada.
How to Choose Travel Insurance Policy Providers in Canada
Get value for your money! Here are some tips to guide you in choosing the best travel insurance company:
1. Duration of the Coverage
How long will the coverage be active? Some companies offer up to 365 days, thus, allowing you to enjoy coverage throughout the year.
2. What Does It Cover?
What does the travel insurance for visitors in Canada cover? Although medical expenses are the most important, other coverages are needed.
Examples of the coverages to look for include:
- Dental care
- Physician’s fees
3. Check the Deductibles
How much does the travel insurance company charge? Also, check the number of deductibles. A higher number of deductibles allows you to pay the premium conveniently.
How accessible is the coverage? Can you get an online quote? How responsive is the company’s customer service?
5. Trip Break Benefit
Find out if the travel insurance company offers a “Trip Break Benefit.” This implies that policyholders don’t necessarily need to re-apply before using the coverage.
6. Policy Limitations
Last but not least, understand the limitations of the policy. This includes the regions or locations that it might not cover.
Getting travel insurance permits visitors in Canada to have a fun-filled stay. It doesn’t matter if you are on tourism, on a work visa, or a student. The coverage can protect your health, properties, and travel-related itineraries. Get started by reaching out to some of the travel insurance companies we mentioned in this article.